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What are Payday Loans?

Payday loans are small principal, high-interest loans that are typically due to be repaid within a few weeks. This may be your next paycheck, a dividend or other type of regular income. The term of the loan is usually 30 days or less. These loans are structured for people who need quick, easy cash to hold them over “until payday”.

Payday loans are designed to get fast cash — often within 24 hours — to consumers who find themselves temporarily short for one reason or another. Payday loans are best regarded as a one-off, a fast and simple way to get yourself upright again when you’ve had a bad financial break. They’re for pressing necessities for which you have no other access to relief, not for luxuries.

Payday loans are meant for emergencies. If you find yourself using them to pay regular bills, you should consider credit counseling, debt-management aid or other type of assistance. There are nonprofit agencies that help consumers who have ongoing, excessive debt. Payday lenders make it easy to get approved and receive your funds, but they typically charge high interest rates for the convenience and lower credit standards. Use payday loans responsibly.

Basic Requirements for Getting an Online Loan

Instant payday loans are regulated at the state level, so lenders must follow the guidelines of the states in which they operate. For this reason, requirements to get a payday loan will vary from lender to lender and state to state. In general, however, lenders require several basic things to qualify for a loan:

  • Age – In order to be legally bound by the payday loan contract, the borrower must be at least 18 years of age.
  • Active checking account (Credit Score) – Many payday lenders don’t deal in cash or issue checks for your initial loan proceeds – they will want to direct deposit your funds into your active checking account. Many lenders also require your loan repayments to be auto drafted from the same account.
  • Proof of income – Income requirements will vary by location, but lenders want to see documents proof that you can repay the loan when it’s due. While this doesn’t need to be income from a traditional job, it does need to be recurring, consistent income.
  • Address, phone number and an email – If you fail to make your payments on time, your lender will want to know how to contact you. You’ll need to provide a stable home address, contact phone number, and email address. Many lenders will also ask for contact information for references as well.
  • How to Get a Payday Loan Online at

    Once you have decided that an instant payday loan is the best solution to your financial problem, you can often complete the application process immediately and receive funding the next day. To get a payday loan, take the following steps:

  • Fill out the Loan Application Form – Many reputable payday lenders offer a simple loan application that can be completed online at your convenience. Have your income documentation and identifying information ready to make the application process as seamless as possible.
  • Receive and Compare Offers – There are many payday lenders, and you aren’t obligated to accept a loan even if you are approved. When shopping with a loan matching service like, you may receive multiple offers from different banks. Compare these offers based on interest rates, loan amounts, and repayment terms and select the offer that best meets your needs.
  • Sign the Agreement – Once you have selected the best offer, you’ll need to submit any final documentation, provide your bank account information, and sign the loan agreements. Often this can be done online through a secure web portal without the need for going into a physical office.
  • Get Your Money – Most lenders will direct deposit your funds into your bank account within 24 hours. As part of your application process, ask your lender for an estimated timetable. Some lenders have same-day depositing, while others may take 2-3 business days, depending on their policies.
  • Payday Loans Online

    Online Loans is a lender-matching service which primary goal is to connect consumers like you with short term lenders whenever unexpected financial emergencies arise. We can successfully match a great part of individuals who submit request a lender willing to provide the funds they need.

    • Our online service is Free
    • Reliable and reputable online lenders
    • Private and confidential online form
    • Cash direct deposited to bank account

    Steps to take before applying for Payday Loans

    Payday loans are popular because they generally are simple to get and provide fast funding. Unfortunately, this ease of access has caused some negative stigma around payday loans, especially when borrowers don’t do proper research first. To make sure this type of loan is a good fit, you should always do the following before applying:

    Choose the right type of loan

    Although instant payday loans are a very specific type of financial product, some companies offer products called “payday loans” that don’t truly fit the definition. For example, some companies may ask you to provide collateral to secure the loan, which puts your personal property at risk. Know the specifics of your loan before applying.

    Consider your other options

    Payday loans aren’t a good fit for every borrower. If you need a short-term influx of cash to solve a financial crunch, you might also consider options like getting a second job, using credit cards, or borrowing from a friend or family member.

    Check the lender’s requirements

    Each lender has different requirements for proof of income, credit scores, loan amounts, and repayment terms. Before applying with a lender, be sure its requirements can meet your loan needs.

    Understand your state laws

    Each state’s Attorney General has the authority to place limitations and regulations on payday lending or outlaw it entirely. These laws work to prevent predatory lending practices that take advantage of low-income families, and payday lenders must abide by them. Educate yourself on these laws and verify that your lender complies with any applicable state statutes.

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    Rate & Fees from Payday Loan Online Lenders

    Payday loans rate and fees are different in any states. Many states severely control the payday loans industry, and in a few states, they are not legal at all. Being familiar with the laws will help you detect whether a loan operator is legit or simply trying to scam you. To be fully informed, check out the legal status of payday loans by state.

    When shopping for payday loans, you may see several types of fees that are applied on top of the principal loan amount. Expect to pay a small application fee, especially if your lender requires a background check. Most lenders also charge origination fees, which can be a flat fee or a percentage of the requested loan amount, to cover the administration costs of processing and maintaining your loan.

    Payday loans range in size from $100 to $1,000, depending on state legal maximums. The average loan term is about two weeks. Loans typically cost 400% annual interest (APR) or more. The finance charge ranges from $15 to $30 to borrow $100. For two-week loans, these finance charges result in interest rates from 390 to 780% APR. Shorter term loans have even higher APRs. Rates are higher in states that do not cap the maximum cost.

    Some lenders also have fees that are avoidable and only apply in certain situations. For example, if you miss a loan payment, you may be charged a late fee. Some lenders also charge pre-payment fees if you pay your loan off early, while others may charge renewal fees if you decide to renew, or take your loan out again, at the end of a payment cycle. These fees add to your overall cost of borrowing money and should be avoided whenever possible, so make sure you have a plan for repaying the loan and sticking to the repayment terms as closely as possible.

    Maximum Loan Amount and APR

    This is the basic information of payday loans law to assist your decision to borrow money.

    Loan Amount Maximum Loan Amount APR%
    Alabama $500 456%
    Alaska $500 435%
    California $300 460%
    Colorado $500 214%
    Delaware $1000 521%
    Florida $500 304%
    Hawaii $600 460%
    Idaho $1000 652%
    Illinois $1,000 or 25% of gross monthly income 404%
    Indiana $550 or 20% of gross monthly income 382%
    Iowa $500 337%
    Kansas $500 391%
    Kentucky $500 460%
    Louisiana $350 391%
    Maine $2000 217%
    Michigan $600 369%
    Minnesota $350 200%
    Mississippi $500 521%
    Missouri $500 443%
    Montana $300 36% small loan cap
    Nebraska $500 460%
    Nevada 25% of gross monthly income No limit
    New Hampshire $500 36% small loan cap
    North Dakota $500 487%
    Ohio $1000 28%
    Oklahoma $500 395%
    Oregon $50000 154%
    Rhode Island $500 261%
    South Carolina $550 391%
    South Dakota $500 36%
    Tennessee $500 460%
    Texas Not specified 662%
    Utah No limit 658%
    Virginia $500 601%
    Washington $700 or 30% of gross monthly income 391%
    Wisconsin $1,500 or 35% of gross monthly income 547%
    Wyoming Not specified 261%

    Remind: This is Not True Rate & Fees and APR. Payday loans Rate & Fees and APR are different in your state and depend on Direct Lenders. This information may be added or modified or canceled without prior notice. If you need to know true Rate & Fees please contact your Lender.

    APR Calculation Formula

    You can calculate APR rate by your self with formula as below:

    FEE (Origination fee + Interest) divided by AMOUNT FINANCED divided by NUMBER OF DAYS OF TERM OF NOTE multiplied by 365 multiplied by 100 (this will put your decimal place in correct place) = APR


    $15 / $100 / 14 X 365 X 100 = 391.07 APR ($100 loan for 14 days with $15 fee)

    $75 / $500 / 14 X 365 X 100 = 391.07 APR ($500 loan for 14 days with $75 fee)

    $150 / $1000 / 14 X 365 X 100 = 391.07 APR ($1000 loan for 14 days with $150 fee)

    Payday Loans Roll Over

    You can roll over your loan in some states if you don’t have the money by the assigned day. There is usually a limit on the number of times you can do this, and any rollover will be subject to extra fees and interest. If you want to know about Payday lending legality and number of rollovers allowed, please Click Here.


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    Reasons why you might have been rejected

    Although the requirements on payday loans are more relaxed that with other loans, lenders still deny loan applications if they feel the risk of default on the loan is too high. If your application is declined, it may be because:

  • You are not employed or your income is too low – If your income isn’t enough to cover basic living expenses and make your loan payments, lenders may deny your application for fear that they won’t recoup the loan.
  • You already have a payday loan or recently borrowed one – Each state has different limitations, but most states limit borrowers to a single payday loan outstanding. In states where multiple payday loans are allowed, borrowers are typically limited to $500 – $1,000 in loans at any given time.
  • You have too many current debts – Since lenders don’t look heavily at your credit scores, they will likely look at your current debts to gauge your ability to repay. If you have too many current debts with too little income (also referred to as your debt-to-income ratio), lenders may not be willing to take that risk.
  • The Advantage and Disadvantages of Payday Loans

    Payday loans can help you meet your short-term financial needs, but you should still carefully weigh the pros and cons before choosing this financing option.


    Simple application process – Traditional bank loans can take several days or even weeks to complete the entire application process and submit all your documents. Payday loan applications can often be completed in under an hour, and many lenders have convenient online applications.

    Fast funding – Once approved, you will typically receive your funds in 1-2 business days.

    Low or no credit check requirements – Some lenders won’t run your credit at all, and those who do will typically run a “soft pull” that doesn’t hurt your credit. Those with poor credit scores can still qualify as long as there are no major issues, such as a recent bankruptcy or defaulted payday loan with another company.


    High interest rates – With interest rates in the triple digits, your loan can accumulate a lot of interest in a short amount of time. To avoid getting stuck in a cycle of renewing payday loans just to pay your routine bills, be sure you can repay the loan on time out of your next paycheck.

    Short repayment terms – Unlike auto or home loans that are structured to be repaid over several years, you should plan to repay your payday loan within a few weeks to minimize fees and interest charges.

    Payday Loans Are An Option

    Payday loans get a bad rap, but in many states, they are a legal and viable option for people with poor to no credit who require immediate cash for an emergency. These loans can be just what’s needed to see you through an unexpected expense or make ends meet in a particularly difficult month. Best of all, it’s easy to find a payday loan online near you.

    For any type of loan, you should explore your possibilities and understand its strengths and weaknesses before committing. This way, you can be confident you’re making an informed decision that serves you in the short and long term.

    Payday Definitions

    If you need to know about paydy loans definitions you will find answers and meaning of online loans here. Read More.

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